How can I rebuild my credit to buy a house?

My husband and I have been married a little over a year and we have a baby. We both have pretty bad credit, he has medical bills and unpaid credit cards and I have a repossessed vehicle and unpaid credit cards. We bought a car recently from a place that will finance people with bad credit and we have paid all of our payments on time but I dont know if that will show up on our credit or not. Well anyway we really want to buy a house soon but I dont even know where to start to try to repair our credit. We can not really afford to pay off any of the debts in full and I dont think that the collection agencies will work with us as far as a payment plan or anything. Please help anyone who knows about this kind of thing or anyone who has been through this before. Any advice would be greatly appreciated. Thank you in advance.

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